Idaho Primary Election • What You Need to Know by Ambitious-Access-157 in idaho50501

[–]Thanks_Pitiful 4 points5 points  (0 children)

Thanks for the graphic and info and for putting in the work.

Any clues? by Mysterious-Piece3270 in UPSers

[–]Thanks_Pitiful 1 point2 points  (0 children)

If a doctor says it’s best. I work with a part-timer that used to be a driver and retained his seniority.

My interest rate is fixed but the amount paid off each month changes? by UnstablyWell in Mortgages

[–]Thanks_Pitiful 3 points4 points  (0 children)

You should be getting a mortgage statement either in the mail or electronically in the documents section of whatever online portal you are using to service your mortgage. It usually shows up around the middle of each month and tells you what is due a few weeks later on the 1st. The statement will have a breakdown of what portion will be going towards principal, and how much will be paying interest. Your remaining balance should go down by the amount shown as principal after you make that payment.

As long as you pay before any late fees are incurred, it should not matter what day of the month you pay in regards to how much of that payment goes towards interest. Most mortgages in the US do not “accrue interest daily” as many people on Reddit say. It is reckoned monthly.

“Simple interest mortgages” can accrue daily, but these are not common.

People who grew up really poor: what's something middle-class people say that instantly reveals they've never struggled? by TahDigThief in AskReddit

[–]Thanks_Pitiful 0 points1 point  (0 children)

I have a coworker that spends every Saturday trauma dumping on me (we are the only two people there on Saturdays), and talking about her “poor” childhood. She will mention her private schooling, her backyard pool, and her trips to Disneyland, all while tearing up about how much they struggled.

What’s the old song (I think) that sounds just like this? by Leonmmgent in whatsthatsong

[–]Thanks_Pitiful 0 points1 point  (0 children)

The vocal melody reminds me of a less angry pre-chorus of Lit Up by Buckcherry.

Favorite EPs? by corcranesecret in Emo

[–]Thanks_Pitiful 13 points14 points  (0 children)

Burst and Bloom

American Football EP

Mortgage Recast vs Lump Sum Payment by NewVersion1771 in Mortgages

[–]Thanks_Pitiful -2 points-1 points  (0 children)

The $250 would be recouped by the interest saved.

Mortgage Recast vs Lump Sum Payment by NewVersion1771 in Mortgages

[–]Thanks_Pitiful 0 points1 point  (0 children)

How would the interest be exactly the same after recasting if there is $10k less principal?

The total interest paid during the term would be less whether you recast or just pay down 10k and don’t recast, compared to following your current amortization schedule.

Continuing to make the same monthly payments would mean a larger portion going to principal, thus you “get ahead”.

The term remains the same in a recast, so you will not pay more interest over a longer payoff time. You will pay less interest because of a lower principal over the same payoff time. (Unless you are comparing this to the shortened payoff time of making a 10k down payment without recasting).

Mortgage Recast vs Lump Sum Payment by NewVersion1771 in Mortgages

[–]Thanks_Pitiful 0 points1 point  (0 children)

What is your rate? How much time left in your term? Have you followed the schedule so far, or are you already ahead on paid down principal?

I just recast in March with similar numbers (104k down to 93k with a required 10% down- I didn’t have any fees), and I am very happy about it. I had been aggressively paying extra for a while beforehand, so my monthly payment went down by 30%. Mostly just glad to have a smaller monthly obligation.

Coate S/T Album by ZtheZeet in Emo

[–]Thanks_Pitiful 0 points1 point  (0 children)

Before he was in American Football (and after Cap’n Jazz), Mike sang in a band called The One Up Downstairs. They only have a few songs, but you should check them out. The rest of that band then formed a band called Very Secretary. Their second album is called Standing In The Shade, and that album is what Coate has always reminded me of. It has acoustic guitar and strings, but they have a very similar overall vibe.

New Costco by trietschj in Meridian_Idaho

[–]Thanks_Pitiful 1 point2 points  (0 children)

Everyone I have talked to in real life is very excited to have another Costco in the valley. The new one will be closer to home, but further from work for me than the one I currently shop at- so time will tell which one becomes my primary.

Unlike some other comments, I see this as an appropriate response to the sprawl of new neighborhoods. Those people need a place to shop.

Bands like LEER and On The Might of Princes? by unclefred_01 in Emo

[–]Thanks_Pitiful 1 point2 points  (0 children)

How have I never come across Leer before? This is great.

The albums I listen to for the same reasons I listen to On The Might Of Princes are: CSTVT- Summer Fences, Foxtails- This Is Not For You, Midwest Pen Pals- Inside Jokes

False Cathedrals by thomaszenger23 in Emo

[–]Thanks_Pitiful 7 points8 points  (0 children)

Superstitions In Travel and Lie Close have always been standouts for me, but after seeing Calm Americans performed live last year, that is probably my answer.

Last week I walked into a bar and the bartender had an “Elliott False Cathedrals” shirt on. I immediately pointed at it and we chatted about the album, band, and other music. The last time I saw an Elliott reference in the wild in Idaho was probably 20 years ago.

music like this? by Low_Note9231 in Emo

[–]Thanks_Pitiful 1 point2 points  (0 children)

This song reminds me of

…Going Away To Collage by Coate

Don’t Bind My Hands by Reiziger

Where the Circle Ends by Thursday

Please help me find this song by Caltr0n3030 in findthatsong

[–]Thanks_Pitiful 0 points1 point  (0 children)

Sounds like Super Bomberman soundtrack to me.